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    <title>责任免除</title>
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        <h2>责任免除</h2>
        <h4>第一、出现下列一情形时，保险人不承担赔偿责任；</h4>
        <p>1.被保险账户在授权他人使用、借给他人使用、出租、出售、或协助他人从事非法活动期间：</p>
        <p>2.由于被保险人主观原因导致被保险账户登录及支付密码、校验码等安全信息泄露的，包括但不限于主动告知他人、被诈骗等：</p>
        <p>3.被保险账户被盗前未通过所在网站或机构认可的实名认证：</p>
        <p>4.被保险账户被盗前未正确使用所在网站或机构的安全产品（包括支付盾、数字证书、短信校验服务等）或未绑定被保险人的手机号码：</p>
        <p>5.被保险人未遵守所在网站或机构的服务协议，及公布的其他规则：</p>
        <p>6.被保险人因资金账户交易系统等原因导致的损失：</p>
        <p>7.被保险人未遵守相关法律法规或条例，及相关监管机构的管理规定。</p>

        <h4>第二、下列损失、费用和责任，保险人也不负责赔偿；</h4>
        <p>1.被保险账户在挂失或冻结前72小时以外的损失：</p>
        <p>2.投保人、被保险人或其代表、雇员、家庭成员、同住人员的故意、重大过失或犯罪行为：</p>
        <p>3.属于银行、第三方支付等平台的责任：</p>
        <p>4.任何类型的法人账号的损失：</p>
        <p>5.行政行为或司法行为：</p>
        <p>6.精神损害赔偿：</p>
        <p>7.任何间接损失：</p>
        <p>8.本合同约定的免赔部分。</p>
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